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America First FCU

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with tailored loan solutions. Whether you’re seeking funding for expansion, equipment, or working capital, they provide flexible options to meet diverse business needs. Their experienced team guides clients through the application process, ensuring clarity and support at every step. With a focus on personalized service, they work closely with borrowers to structure loans that align with their financial goals. The bank’s commitment to small business growth is reflected in their extensive SBA program offerings, including the popular 7(a) loan program. They serve a broad range of industries, emphasizing community development and economic vitality. Located conveniently in Riverdale, they are accessible to local entrepreneurs and business owners looking for reliable financial partnerships. Their expertise in SBA loans helps clients leverage government-backed funding to grow sustainably and confidently.

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Lender Type

Commercial Bank

Google Rating

4.7

Google Review Count

298

Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs to support small business growth. You can find assistance with funding options like the 7(a) loan, guidance through the application process, and personalized financial solutions tailored to your business needs.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may also be accommodated depending on availability. Calling ahead can help streamline your visit and prepare necessary documentation.

Question 3

What are the hours of operation?

Answer 3

The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to confirm hours before visiting, as they may vary on holidays or special occasions.

Question 4

Is there a fee to use this?

Answer 4

There are application and processing fees associated with SBA loans, which are disclosed upfront. These fees help cover administrative costs and are standard across SBA lending institutions.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This lender primarily serves small business owners and entrepreneurs, with eligibility based on business criteria rather than residency alone. Membership is not required to access their SBA loan programs.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of around 650 is generally preferred, though other factors such as business financials and collateral are also considered.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation provided.

America First FCU

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